To drive legally you must comply with the state's mandatory financial responsibility law. For most, this means carrying liability insurance.

Ways to Establish Financial Responsibility

While liability insurance is the most common means of covering your vehicle, it's not the only available option:

• If due to underwriting reasons you cannot get insurance, you may qualify for the North Dakota Automobile Insurance Plan. For information call (877) 251-3200.

• If you have 25 or more vehicles registered under your name, you may opt for self-insurance.

North Dakota Liability Insurance Requirements for Private Passenger Vehicles

• $25,000―Per person

• $50,000―Per accident for bodily injury

• $25,000―Per accident for property damage

• $25,000 per person, $50,000 per accident―Uninsured motorist coverage

• $25,000 per person, $50,000 per accident―Underinsured motorist coverage

• $30,000―No-fault coverage

It's always wise to compare quotes from a variety of insurance companies before making your decision. This will help you find a policy that meets your needs and fits your budget. And keep in mind that you aren't limited to the minimum amounts described above. There are also plenty of other types of coverage to maximize your protection.

NOTE: Any vehicle with a current registration tag operated on any public road, highway or off-highway must be covered by insurance. This does include snowmobiles.

Proof of Insurance and Financial Responsibility

• Have an insurance identification card, provided by your insurance company.

• Have a letter or certificate proving you're covered under the North Dakota Automobile Insurance Plan.

• Have a letter or certificate proving you're self-insured.

Penalties for Failure to Maintain Financial Responsibility

If you get pulled over by a police officer and have no proof of insurance, the penalties can be steep:

• Driving without insurance is considered a Class B misdemeanor and comes with a minimum fine of $150.

• If caught a second time, the state will impound your vehicle's plates until proof of insurance is presented.

• If you're involved in an accident without insurance you'll be assessed 14 points on your license, which equates into an automatic suspension.